The Sandia Total Health program administered by UnitedHealthcare (UHC) offers you and your family members comprehensive healthcare coverage and a health reimbursement account (HRA) to help pay your eligible healthcare expenses.
This plan allows members to see any licensed provider, although you receive a higher level of benefits when you receive care from a UHC in-network provider.
Employees in New Mexico and California can choose UHC.
When you need care, you have the choice to go in- or out-of-network. You will pay less when you use in-network providers and facilities affiliated with UHC.
In-network – Providers and facilities that participate in the UHC network have contracted to provide a higher level of benefits, which means you pay less.
Out-of-network – If you use an out-of-network provider or facility, you may be covered. However, benefits are paid at a lower level, which means you can expect to pay more. In addition, you are responsible for any charges above the plan’s allowed cost for a given healthcare service. This is known as balance billing.
Whether you are going in for your annual preventive visit or you have a more complicated need, you can take a few simple steps to make the most of your time with your doctor. Check out these ideas from the U.S. Department of Health and Human Services.